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As per RBI guidelines, what is the maximum period for which a bank can classify a restructured advance as a "standard asset" after the restructuring date?
A restructured account is classified as a standard asset only if it demonstrates satisfactory performance for 1 year from the date of first payment of interest or principal (whichever is later) after the restructuring. This is known as the "specified period" under RBI's prudential framework.
12 months is a common misconception. The period is not a fixed calendar duration — it starts from the first payment date post-restructuring, not from the restructuring date itself.
IIBF frequently tests the distinction between "restructuring date" vs "first payment date" — always remember the clock starts at first payment, not at approval.
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